| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATAMOUNT COMPANIES INC3 Filed as: CATAMOUNT COMPANIES, INC. | DBA PLAN BENEFIT STRATEGIES 5314 S. YALE AVE., SUITE 601 TULSA, OK 74135 | COMMUNITY CARE | — | $65K | $65K | 4.42% |
| CATAMOUNT COMPANIES INC3 Filed as: CATAMOUNT COMPANIES, INC. | DBA BENEFIT PLAN STRATEGIES 5314 S YALE AVE, STE 601 TULSA, OK 74135 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 13.60% |
| CATAMOUNT COMPANIES INC3 Filed as: CATAMOUNT COMPANIES, INC | 5314 S YALE AVE, STE 601 TULSA, OK 74135 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 9.43% |
| CATAMOUNT COMPANIES INC3 Filed as: CATAMOUNT COMPANIES INC. | 5314 S. YALE AVE, SUITE 601 TULSA, OK 74135 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $649 | $4K | 11.23% |
| CATAMOUNT COMPANIES INC3 Filed as: CATAMOUNT COMPANIES INC. | 5314 S. YALE AVE, STE 601 TULSA, OK 74135 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $552 | $3K | 11.35% |
| CATAMOUNT COMPANIES INC3 Filed as: CATAMOUNT COMPANIES, INC. | DBA BENEFIT PLAN STRATEGIES 5314 S. YALE AVE., SUITE 601 TULSA, OK 74135 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | — | $1K | 9.19% |
| CATAMOUNT COMPANIES INC3 | 5314 S YALE AVE, STE 601 TULSA, OK 74135 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $448 | — | $448 | 9.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS ADMINISTRATOR | Float revenue; Claims processing; Direct payment from the plan; Named fiduciary; Other services; Non-monetary compensation; Contract Administrator; Participant communication Service code 12 | — | $10K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 231 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY CARE | 352 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 331 | $97K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 261 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 226 | $43K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 71 | $36K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 231 | $27K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 88 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.